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Tax Identity Theft

Each year, many people will, unfortunately, have the experience of having their identity stolen. Some will have a credit card account or bank account information stolen, but others will have their Social Security number stolen. When a Social Security...

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High Balance Loan Eligibility

Expanded High-Balance Loan Eligibility (Conforming Fixed and Standard ARM) Effective for loans registered on or after 12.13.15 Non-occupant co-borrowers income to qualify on 1 – 4 families!! New: 95% LTV high balance 5% doesn’t have to be your own funds!! The...

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Securing A Mortgage

The Key To Getting The Home You Want Is Being Prepared Nothing could more negatively affect an offer to purchase more than not having a pre-qualified letter of approval from a qualified mortgage institution. Be prepared. See a mortgage broker before you...

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Cash Out Refinance

We are committed to assisting our valued customers with all of their home financing needs. In addition to providing those who are buying a new home with competitive mortgage programs for their purchase, we also can help existing homeowners to tap into their equity....

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TRID Training

MortgageDepot is committed to providing its customers with the highest level of customer service from the initial phone call until the loan closes and beyond, and we also want to set up a loan for you that is affordable for your budget and that meets all...

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TRID POLICY EFFECTIVE 10/3/15

Our wholesale lenders will be issuing the Loan Estimate on behalf of all mortgage brokers.  In order to facilitate this, we MUST submit our entire loan submission by 5 PM the first business day following the date of application.  Our loan submission must include all...

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Should I Be Preapproved Before Home Shopping

We strive to maximize the chance that each of our clients will be able to buy the home of their dreams. That’s why we recommend that before going home shopping, you take time to get pre-approved for a loan. Three Reasons Why You Should Get Pre-Approved 1. Identify...

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No Overlays in Underwriting

If you have been looking for the right financing for your home buying or refinancing plans and have recently been told that you do not qualify for a conventional loan program, the reason may be due to overlays. Residential loan programs from Fannie Mae,...

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5% Down All Gifts Funds Allowed

Many people who are interested in buying new property are unable to do so because of the strict down payment requirements that many loan programs have. Instead of moving forward with the plans they have to purchase real estate, they must wait while they save up more...

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Credit Score Tips

When you apply for a home mortgage, your credit scores will be one of the most significant factors that will influence the interest rate and loan terms that you receive. Your scores can also have a direct impact on whether you are approved for your...

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Condo Limited Review – 90% LTV

A condo can provide you with an affordable, convenient housing option, but financing a condo can seem challenging. You may have your eye on a new condo you would like to purchase, or you may be interested in refinancing a property that you already own....

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